has a very big funding problem. this new consumer protection agency is not there yet and as long as the president comes out and fights on the grounds he laid out today, he'll win. >> i want to talk about the work of the agency itself. how much do consumers need this? we're not just talking about credit cards and mortgages and -- we're talking about unfair practices that consumers aren't even aware of. it's inside baseball. not reading the fine print. >> i don't think it's inside baseball, i don't know about you, but the last time i got clarification of credit card terms, a little document, but it was like concertina. i don't have the eyesight to read that level of fine print. >> personally, in the middle of a refi, and the person on the other end, she may have been speaking a foreign language. all of these people don't know the parameters. most people aren't that abreast of it. >> know before you owe is one of the agency's landmark items right now, and a very good initiati initiative, and legitimate, honest people i